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Rent or Buy Calculator

Compare renting and buying over a longer period using purchase price, down payment, interest, transaction costs, maintenance and property growth.

Finance
Inputs

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Enter your assumptions and compare whether renting or buying looks cheaper under those conditions.

Display currencyChoose the currency symbol for entered amounts and results. No exchange-rate conversion is applied.
UnitsChoose metric, US or UK units for distance, area, volume and car consumption.
$
Enter the value for “Monthly rent”. The closer the assumption is to your real situation, the more useful the result will be.
%
Enter the value for “Annual rent increase”. The closer the assumption is to your real situation, the more useful the result will be.
$
Enter the value for “Property purchase price”. The closer the assumption is to your real situation, the more useful the result will be.
$
Enter the value for “Down payment”. The closer the assumption is to your real situation, the more useful the result will be.
%
For example taxes, notary, land register and agent fees.
%
Enter the value for “Annual interest rate”. The closer the assumption is to your real situation, the more useful the result will be.
%
Enter the value for “Initial repayment”. The closer the assumption is to your real situation, the more useful the result will be.
%
Rough assumption based on property value.
%
Enter the value for “Annual property growth”. The closer the assumption is to your real situation, the more useful the result will be.
%
What your down payment could earn elsewhere if you rented.
years
Enter the value for “Time horizon”. The closer the assumption is to your real situation, the more useful the result will be.
FAQ

Frequently asked questions

Is buying always better than renting?

No. Buying can make sense with a long holding period and suitable conditions. With high prices, high interest rates or a short holding period, renting may be cheaper.

Why include alternative investing?

Renters do not tie the down payment into a property. That capital could be invested elsewhere, so it belongs in a fair comparison.

Which assumption affects the comparison most?

Purchase price, interest rate, rent increases, property growth and time horizon usually matter most. Small changes can flip the result.

Are renovation and maintenance included?

Only to the extent you include them in the inputs. Owners should plan realistic reserves for maintenance.

Why is the time horizon so important?

Transaction costs occur at the beginning. The shorter the holding period, the harder those costs weigh on the comparison.